Earlier quoted context omitted.
MacBooks strangely doesn't have NFC - IMO it's ultimate solution for U2F.
I would love to pay websites by tapping my phone to my laptop.
Apple Wallet is already in macOS, but Apple Pay is only in Safari
Apple unveils contactless payments via Tap to Pay on iPhone
561–570 of 736 posts
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#562Earlier quoted context omitted.
I am surprised Apple didn't make this a closed system and compete with Square for small businesses.
It competes with anyone selling point of sale hardware. I think Square falls into that camp, no? I wouldn't want to be in that space right now. I don't see how this doesn't usurp a big chunk of their market since it isn't even a decision between buy this or buy that, but buy that or just use the thing already in my pocket.
This was my initial thinking, but then I think most businesses won't want to use a phone as their payment platform. My reasoning is that when I go into a business and I tap the Square terminal, I am assuming that terminal belongs to the business, because what individual would have their own square terminal.
If the person who is ringing me up has an iPhone, and says "just tap this", there is a part of me that is wondering if this is the company's iPhone, or their personal device? Of course, this is easily resolved with the right surround which would remove this question, but I think it's somewhat valid.
Isn't this how it works in Apple stores (I'm not an apple person). Don't they walk around with iPhones in this big chunky yellow cases, and then you just pay for stuff through that? Maybe I'm wrong...
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#563Earlier quoted context omitted.
And people wonder why Uber killed the whole taxi industry overnight.
Well, in all fairness, Uber mostly killed the whole taxi industry by being really really illegal and not following any of the rules - including those meant for regulatory capture and those for safety. About 3000 women are sexually assaulted by Uber drivers every year - I'm not saying that doesn't happen with taxis too, just be careful about painting a too-rosy picture.
No one painted a too-rosy picture. They just pointed out that Uber killed Taxis because Taxis ran on horrible service plus a government mandated monopoly. Take away the latter like Uber did, and there’s no need to put up with the former.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#564Earlier quoted context omitted.
That's impressive, I want to live where you do! I swear there's one major retailer by me (never remember until I'm at the terminal) that still has tap to pay disabled. Catches me every time. I'm down to just a 4 card MagSafe wallet (credit/debit/ID/car key), but I'd love to get to just a phone. Sadly I'm sure Wisconsin will be another 5-10 years before supporting digital ID.
I'm down to just my backup card in my MagSafe wallet. I'll occasionally keep my ID in there too but only if I know I'm going out to a place that needs to check a physical ID. If I could, I would do without the wallet completely.
A few years ago I was surprised that in some states it is illegal to go out in public without an ID in the event a cop stops you and asks for ID. Seems completely contrary to everything we were taught growing up.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#565Earlier quoted context omitted.
But how do you know the clerk works for the store? You don’t feel at all obligated to make sure they are actually the store?
From the way you are describing this, you seem distrustful of someone who walks up to you with a device, scans a barcode, shows you the price of said item which matches the tag in your hand, prints a receipt, accepts a tap as payment, let's you walk away with said item. This flow summarizes almost every transaction I have had at Banana Republic, Gap, and the Apple Store, to name a few retailers. I have not had reason…
My default is to distrust someone with nothing but what looks like a personal phone, until I'm sufficiently convinced that they are in fact who they say they are.
In every experience you describe, the device they use is not just a standard iPhone. It usually has a special case with a card scanner and reciept printer for starters. At the Apple store they wear apple badges and have branded clothing. I haven't been to the Gap in a long time, but I'm guessing they have some sort of way of identifying themselves. You even said yourself you wait for the notification that you were charged by the right entity name, which is another clue that you made a legit purchase.
I have no problem making my purchase from someone with nothing more than an iPhone, as long as there are other clues that they actually work there. But I do feel it is my responsibility as a member of society to at least attempt to verify their veracity.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#566Earlier quoted context omitted.
Well, if you already have an iPhone ? I would assume this is for small vendors? Otherwise indeed I do not see the point.
Might be big for bigger vendors too. I know Oracle extorts at least some merchants at least a few hundred dollars per year per credit card terminal for the privilege (“interface license fee” or some BS) of being able to use it. The more some of these legacy middlemen get taken out of the picture, the better.
Might be big for bigger vendors too
The POS terminals for BlueMercury (a national cosmetics chain) are iPad Airs with a tap-to-pay reader bolted on them. This would remove that bulk, expense, and potential point of failure.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#567Earlier quoted context omitted.
I am surprised Apple didn't make this a closed system and compete with Square for small businesses.
It competes with anyone selling point of sale hardware. I think Square falls into that camp, no? I wouldn't want to be in that space right now. I don't see how this doesn't usurp a big chunk of their market since it isn't even a decision between buy this or buy that, but buy that or just use the thing already in my pocket.
Square probably makes zilch on their hardware sales as it is, the real business is percentages on sales.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#568Earlier quoted context omitted.
Anyone who is going to be buying PoS from Square at a rate greater than just the phone attachment reader, this won't be sufficient for. Using a phone for a business you personally run is fine, using a phone as the central point of your business for even a relatively small fast casual is going to be a nightmare. And for those even on Square Apple's ipads are still the preferred choice as far as I can tell. So there is…
I'm not even sure there, at least for another few years. No store, mom and pop or otherwise, would want to be "tap to pay only" as a means of taking credit card payments. There are still plenty of cards out there that don't have RFID chips.
No one uses a mag reader here in Canada. Europe ditto, and sounds like the antipodes too. I don't know anyone who doesn't have RFID cards, debit or credit. Swiping a card through a mag reader is the backup option alone here.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#569Earlier quoted context omitted.
Cards are slowly moving towards not having printed numbers at all, and having the numbers only available via the issuer's app or website. This allows for rotating numbers.
Care to share some examples? I’ve never seen this in the US
In the US, I have multiple Chase credit cards with no raised numbers. The number is printed in flat ink on the back of the card.
The Apple card doesn't display the number anywhere on the card at all.
Re: Apple unveils contactless payments via Tap to Pay on iPhone
#570Earlier quoted context omitted.
And people wonder why Uber killed the whole taxi industry overnight.
Well, in all fairness, Uber mostly killed the whole taxi industry by being really really illegal and not following any of the rules - including those meant for regulatory capture and those for safety. About 3000 women are sexually assaulted by Uber drivers every year - I'm not saying that doesn't happen with taxis too, just be careful about painting a too-rosy picture.
Taxi in a lot of places, and I’ve been to many countries, don’t follow the rules either. Turn off meter, take long route, all the shady stuff, pretend to not understand foreigners